No Credit Check Online Loans
with OppLoans

Loans with no credit check are offered by both reputable, legitimate lenders and predatory lenders alike to borrowers with poor credit. Three main factors distinguish a responsible loan product from a bad one, they are: rate, term, and ability to repay.

• Rate: Rate is the cost of borrowing money. This is generally expressed as either the “interest rate”—the percentage of a principal loan amount charged to a borrower—or, if you extend that number over the course of a year, the annual percentage rate (APR).
• Term: Term is the period of time between the funding of a loan and when the principal and all fees must be repaid.
• Ability to Repay: Whenever you’re borrowing money, make sure that your lender is checking your ability to repay the loan at the rate and within the terms they’re offering.

If you can’t use a credit card or borrow from a family member, a no credit check loan could be the right product for you. Just make sure that you understand the rate and the term of the loan being offered. Also, be sure that the potential lender makes an effort to understand if you can actually afford to repay the loan. If this doesn’t include a credit check, then make sure that they want to check your employment and income.

Rates offered through OppLoans range from 99–199% APR. Products offered through OppLoans have different rates and terms depending on the state where you live.
You can see a state-by-state breakdown of loan rates and terms here.

Payday loans are short term, high cost, low value loans. OppLoans installment loans come with longer terms, lower rates, and higher principals.
Here’s a quick snapshot to explain the differences:

If you submit your loan application and it is processed and approved before 7:30 p.m. ET Monday-Friday are typically funded the next business day.*